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Random health and exercise thoughts

Discussion in 'Health & Body' started by Eason, Dec 20, 2009.

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  1. fuji

    fuji Senior member

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    I've never understood people who come from money going into IB. Girl I knows dad is a billionaire and she still applied for internships but didn't get anything. Why would you do this to yourself if you came from money? I'll try maintain this, obviously I won't be able to lift like I do now and I'll have to do way more mobility work then some shoulder dislocations and sitting in a full squat with 60kg for a minute before I lift.
     
    Last edited: Jun 18, 2014
    1 person likes this.
  2. Coldsnap

    Coldsnap Senior member

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    Hah, good point. Probably has something to do with family pressure.
     
  3. ridethecliche

    ridethecliche Senior member

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    The reality is that the carrot keeps getting bigger in the banking world. Also people get paid enough to go stupid hard when they have time so they eat and drink to excess.

    There are still ways to get ahead and do right without sacrificing your health. Esp given that most people in those jobs could live right next to a 24 hr gym if they wanted to.
     
  4. Lagrangian

    Lagrangian Senior member

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    that's just the tradeoff one faces. as I see it most people go into the field for those boner-inducing exit opportunities
     
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  5. ridethecliche

    ridethecliche Senior member

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    Or proving that you can do it too. Some people don't just want to get by on their parents accolades even if they don't fully comprehend how much they benefited from it regardless.
     
    1 person likes this.
  6. Coldsnap

    Coldsnap Senior member

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    This is just my two cents, maybe I will change as I grow older. But if you know how to budget correctly and are reasonable you can live really good at around $40-50k a year. I see these people who buy Honda Pilots for $30k and think they don't know how to spend their money because you can get an awesome ass car for 8-12k$. And then the damn iphone upgrades every year. I dunno shit like that.

    That being said I fucking suck at investing. I have a large amount of money sitting in the cash market because I have no idea how to invest it correctly. And Fidelity seems content with not helping me out at all.
     
    Last edited: Jun 18, 2014
  7. tesseract

    tesseract Senior member

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    I haven't gone out to a lunch that cost me less than 100 dollars in years.
     
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  8. tesseract

    tesseract Senior member

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    Fuck that I would much rather drive my nice imports and bring my friends out to dinner on me whenever i want.
     
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  9. Coldsnap

    Coldsnap Senior member

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    Damn, I need to find friends like you. I helped my friend for an hour moving heavy shit and all I got was $5 at taco bell and i had to drive.
     
  10. ellsbebc

    ellsbebc Senior member

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    The least you can do is take advantage of your company's 401k match, if offered, and max out an IRA very year. Based on the description of your lifestyle, that alone will probably be close to enough for retirement.
     
  11. KingJulien

    KingJulien Senior member

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    In a city you could only do $40-$50 a year with no safety net, maybe, and you'd have to live with roommates or in a really shitty apt your whole life. Add another $10k a year for a decent place and 30% for savings (so around $70 - $80k), and it's enough.

    Investing doesn't have to be hard. You're in your early 20s right? Just keep 2-3 months expenses in cash and throw the rest in the vanguard s&p 500 index fund, set your paycheck to auto-deduct a set percent every couple weeks. Reassess in 20 years.
     
  12. fuji

    fuji Senior member

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    $25k in the s&p 500 from reselling high end mens wear on the MC classifieds crew checking in. That $600 profit on one suit hnnnnnnng. I don't want to work for that long, doing IB so I can retire early and kind of to prove I can do it I suppose. Saw all these idiots from my uni applying for it when I only wanted to work for like PwC and I figured I was better then them. Theres not really anything I spend money on, gear is by far my biggest recreational expense and even that is cheap as fuck.
     
    Last edited: Jun 18, 2014
  13. Coldsnap

    Coldsnap Senior member

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    Ok. Company doesn't do any sort of benefits. I've been saving $650 a month with my budget and I just put that into my bank account. I've got way too much in there for an adult with no retirement fund. I should take the money that I have with fidelity and start a Roth ira and just pay into that.
     
  14. TeeKay

    TeeKay Senior member

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    Speaking of finances I've now gone almost two months without a paycheck and it's killing me.

    Get my first new one July 1st and my God, that will be a beautiful day.
     
  15. ridethecliche

    ridethecliche Senior member

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    What are you talking about re:reselling shit?
     
  16. KingJulien

    KingJulien Senior member

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    Yeah, max our your roth ($5500) and put the rest into a taxable account, set it to auto-withdraw, and just forget it exists for awhile.
     
    1 person likes this.
  17. Lagrangian

    Lagrangian Senior member

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    low cost index funds would have been my recommendation as well. it's what I do with my excess cash, mainly because I'm fucking lazy as shit.
     
    1 person likes this.
  18. ellsbebc

    ellsbebc Senior member

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    Exactly. My former company had their own brokerage branch so I had my IRA through them. After switching jobs, in the process of transferring it over to Vanguard where I can manage both me and the lady's funds with one company. They have the lowest fees in the market also. You could do the same with Fidelity if you prefer to stay with them.

    At this point, we are sitting on a hefty sum of cash for being only 24. Debating to bump up our 401k contributions to double digits since we have enough cash lying around. Time to take advantage of dat der DINK status.
     
  19. TeeKay

    TeeKay Senior member

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    Also that feel when 26 years old and know jack shit about finances.
     
  20. conceptionist

    conceptionist Senior member

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    C'mon, it's not hard to bulk and eat well.
    I eat 3600 calories a day, every meal cooked by myself and I leave my apt at 8 in the morning and is usually back at 8 again in the evening.

    Every sunday I just prep a ton of food. Throw 2 pounds of chicken, beans and veggies in the slowcooker, and divide it into 7 lunches. Make another big batch of meat for my 5 post workout meals. Every night I prep rice for the next day in the rice cooker. I bring oats, milk, nut butter and cottage cheese to work for pre workout meal before I leave the office for the gym.
     

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